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Most people, once they have an auto insurance company, simply
just let their current policy renew and renew without checking
to see if maybe they can get a better deal somewhere else. If
that describes you, maybe you would look into exploring your
options if you knew how and painless it really is. This article
will show you just how easy the process is.
Shopping for a new auto insurance company The easiest and
quickest and as a result the most painless way to shop for auto
insurance is to go on the internet. Many companies can give you
quotes 24/7 on their websites. You can also get contact
information for a particular auto insurance company on their
site and call them up on the telephone. When considering
switching companies, the first thing to do is to get comparison
rate quotes from several companies.
You do want to be very truthful about all your information so
that you can get accurate quotes. The company will find out
about any accidents, claims or traffic tickets anyway, so don't
try to hide anything. Also, when you get comparison rate quotes,
make sure you compare the coverage you have with your current
auto insurance company to what is available with any new company
so that you can make a comparison that makes sense.
How to switch Once you have found a new auto insurance company
and purchased your new policy you must cancel your old policy.
If you don't cancel your old policy the old auto insurance
company could assume you wished to continue your insurance with
them. They would be expecting to receive premiums from you. When
they don't receive those premiums they would eventually cancel
your policy due to unpaid premiums and report your lack of
coverage to the Department of Motor Vehicles of your state. This
could affect your credit and your ability to get a new auto
insurance policy.
Canceling your old policy is easy. Usually, all you need to do
is to inform your old auto insurance company in writing, telling
them when you would like the policy cancelled. They will then
send you a form to sign and return, which in effect will cancel
your policy.
One thing to note Do not cancel your policy from your old auto
insurance company until the insurance is actually in effect with
the new insurer. This way you avoid any lapse in coverage.
However, nowadays there is little chance of that happening. Most
states require all drivers to carry a minimum amount of
insurance and your old auto insurance company will probably
require you to show proof of insurance before they will cancel
an active policy.
When you switch is very important The best time to switch to a
new auto insurance company is when the current policy is about
to expire. When you receive your policy renewal notice from your
current auto insurance company is the best time to switch. This
is usually about a month before the current policy is actually
going to expire. It is during this period when you can switch
insurers without incurring any fees or penalties.
Also, because it is so close to the end of the policy term you
would avoid trying to figure out the amount of unused premium
that you are due from your old auto insurance company. You also
avoid arguing with your insurance agent about exactly when you
cancelled and how much the auto insurance company owes you.
But yes, you can cancel outside of the 30 day period If after
taking into account the fee or penalty you may have to pay you
may find that you still would get appreciable savings. So, while
it is best you switch within that 30 day renewal period, you can
actually cancel at any time.
Are you ready? That's all there is to it. Just think of all that
extra money that could be coming your way if you follow these
simple guidelines.
About the author:
Joe Folger with his extensive insurance experience writes for
http://www.autoinsurancecompanyinfo.com and further information
about almost any particular auto insurance company can certainly
be found there.
Written by:
Joe Folger
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